Many friends come to ask seniors about this product, and the demand for this product depends on its value. So the senior quickly evaluated this product.
Before the evaluation, let's take a look at the comparison between Huixin 'an (Selected Edition) children's critical illness insurance and other children's critical illness insurance products on the market:
Hui Xin 'an (Selected Edition) and the national popular children's critical illness insurance comparison table
1. What are the advantages and disadvantages of Huixin 'an (Selected Edition) children's critical illness insurance?
Not much to say, look at the evaluation chart first:
As can be seen from the above evaluation chart, all minor children aged 0- 17 can choose to take out Huixin 'an (selected version) children's critical illness insurance, with a waiting period of 180 days and a lifetime guarantee period.
So what are the advantages and disadvantages of Huixin 'an (Selected Edition) children's critical illness insurance? Senior sister takes you to know:
1, Advantages of Huixian (Selected Edition) Children's Critical Illness Insurance:
& gt& gt Flexible payment period
Hui Xin 'an (Selected Edition) children's critical illness insurance payment period has many choices, such as wholesale payment, 3/5/ 10/20/30 years payment, etc., which is convenient for people to choose the payment period suitable for their actual situation.
At present, it is true that many children's critical illness insurance on the market are facing the limitation of this payment period, {there are only one or two choices.
From this comparison, Huixin 'an (Selected Edition) children's critical illness insurance is quite good, which can meet the payment needs of more people, and it is very good.
& gt& gt High proportion of extra compensation
Huixin 'an (Selected Edition) Special Disease Protection for Children's Critical Illness Insurance * * * includes 16 diseases, and provides an additional compensation ratio of 100% of the insured amount.
For example, Xiao Li bought Hui Xin 'an (Selected Edition) children's critical illness insurance for her daughter, with a coverage of 500,000. If her daughter has a special disease included in the contract, the insurance company will pay 6,543.8+0,000, which means that the amount of compensation obtained is twice the insured amount.
Huixin 'an (Selected Edition) is still very popular in the market for children's critical illness insurance and special disease protection, reaching this level of compensation.
2. The shortcomings of Hui Xin 'an (Selected Edition) children's critical illness insurance:
& gt& gt The guarantee period cannot be flexibly selected.
Hui Xin 'an (Selected Edition) children's critical illness insurance can only be guaranteed for life, and the choice is not flexible.
Everyone knows that the premium of critical illness insurance for life-long protection is naturally higher than other products. Families with insufficient budgets can look at the critical illness insurance products that are regularly guaranteed.
However, if you want to buy Huixin 'an (selected version) children's critical illness insurance, you can only buy it for life, which is a bit reluctant for those families with poor economic conditions.
& gt& gt The waiting time is too long.
As we all know, the insurance company will not pay during the waiting period.
From the perspective of the insured, the shorter the waiting period, the better.
The waiting period is less than 90 days, which is a prominent critical illness insurance product in the market today. However, the waiting period of Huixin 'an (Selected Edition) children's critical illness insurance is 180 days, which is 1 times more than other critical illness insurance products.
In contrast, Hui Xin 'an (Selected Edition) children's critical illness insurance is not so good.
& gt& gt The proportion of compensation for chronic diseases is too low.
Hui Xin 'an (Selected Edition) children's critical illness insurance only reaches 50% of the insured amount. At present, most of the critical illness insurance products on the market are 60% of the insured amount, and the insured amount of other critical illness insurance is more 10% than that of Huiyu Principal (selected version) children's critical illness insurance.
If she is diagnosed with China's disease within the guarantee period, she can only get compensation of 250,000 yuan: suppose Xiao Li prepares a critical illness insurance product for her daughter with 60% of China's disease claims, and if she suffers from China's disease, she can get compensation of 300,000 yuan from the insurance company.
In contrast, Hui Xin 'an (Selected Edition) children's critical illness insurance can get a full 50,000 less compensation.
The more you pay, the better for the insured. Huixin 'an (Selected Edition) children's critical illness insurance is not outstanding.
Look here, do you think so? What are the shortcomings of Huixin 'an (Selected Edition) children's critical illness insurance? Then you are naive, space is limited, and senior sister is not so detailed. Some friends need to know, and experts can also look at the complete evaluation:
"Hui Xin 'an (Selected Edition) is newly upgraded. You must know these tricks. "
Second, Hui Xin 'an (Selected Edition) Is the critical illness insurance for children worth starting?
In a word, Huixin 'an (Selected Edition) children's critical illness insurance has not only basic protection, but also protection for special diseases and death. The content of the guarantee is undoubtedly good and OK.
It's just Huixin 'an (selected version) children's critical illness insurance. This waiting period is too long and can't be guaranteed soon. However, the payment of medical insurance in China is also average, and the cost performance is not high.
A little advice from senior sister, parents who want to configure Huixin 'an (selected version) children's critical illness insurance for their children hope that you must seriously consider it, and it is best to shop around before deciding whether to start.
Of course, friends don't have to be pessimistic about Hui Xin 'an (selected version) children's critical illness insurance. Senior sister found several children's critical illness insurance, which is very cost-effective. Interested in taking a look:
Don't miss the top ten children's critical illness insurance with high cost performance.
Write it at the end
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